Overview
Effective date: 18/02/2025
Last updated: 18/02/2025
PayAny1 Pty Ltd (ABN 51 630 466 303), trading as Cashwo, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you engage with our products, services, and website.
Our Commitment to Privacy
Your privacy is important to us. We comply with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and other relevant privacy laws to ensure your personal information is protected.
1. Information We Collect
1.1 Personal and Business Information
We collect personal and business information necessary to provide our products and services, including:
- Full name, residential and business address, email address, phone number, and date of birth
- Business name, ABN, and other business details
- Bank account details, credit or debit card details, and other financial information
- Transaction history, payment details, and invoice records
- Device and browser information (IP address, location data, cookies, operating system)
- Details of your interactions with our customer service representatives (phone, email, chat)
- Any other information you provide when using our services
1.2 Information from Third Parties
We may also collect personal information from third parties, including:
- Credit reporting bodies for identity verification
- Banks, financial institutions, and payment service providers
- Regulatory bodies such as AUSTRAC and ASIC
- Publicly available sources and government agencies
2. How We Collect Information
We collect personal information when you:
- Register for our Cashwo products and services
- Process payments using Cashwo’s PayTo technology
- Use the Cashwo App or Web Portal
- Submit application forms and supporting documentation
- Communicate with us via phone, email, online chat, or in person
- Visit our website and interact with its features
- Participate in surveys, promotions, or marketing campaigns
3. How We Use Your Information
We collect, hold, use, and disclose your personal information to:
- Provide, manage, and support our non-cash payment solutions
- Process transactions, payments, and withdrawals
- Manage your Cashwo account, including verification and security
- Verify your identity as required under AML-CTF laws
- Monitor and prevent fraudulent or unauthorized activity
- Notify you of changes, updates, or promotional offers
- Comply with regulatory obligations (AUSTRAC, ASIC, AML-CTF laws)
- Conduct internal audits, risk assessments, and market research
- Improve our website, applications, and overall customer experience
4. Data Retention
- We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including legal, accounting, or reporting requirements.
- Upon request and where appropriate, we will securely delete or anonymize personal data that is no longer needed.
5. Direct Marketing
5.1 Purpose
We may use your personal information to:
- Send promotional emails, SMS, and notifications about new products and services
- Inform you about special offers, competitions, and company updates
- Conduct surveys and gather feedback
5.2 Opting Out
You can opt out of receiving marketing communications by:
5.3 Consent
We will only send you direct marketing communications if you have opted in, in accordance with Australian spam laws.
6. Who We Disclose Your Information To
We may disclose your personal information to:
- Our employees, contractors, and authorized representatives
- Banks, financial institutions, and payment processors
- Third-party service providers (e.g., cloud storage, IT support, professional advisers)
- Credit reporting agencies
- Regulatory authorities (e.g., AUSTRAC, ASIC), law enforcement, and government agencies as required by law
- Debt collection agencies (if necessary)
- Potential purchasers or investors in connection with business transactions
7. Disclosure Outside Australia
- We do not currently disclose personal information to recipients outside Australia.
- If this changes, we will update this Privacy Policy and notify you as required.
- Where international transfers occur, we will take reasonable steps to ensure your personal information is treated securely and in accordance with applicable privacy laws.
8. Website Usage and Cookies
8.1 Data Collected
When you visit our website, we may collect:
- Your IP address, browser type, and access times
- Pages visited and navigation patterns
- Cookies and other tracking technologies to enhance your experience
8.2 Third-Party Cookies
- We may use third-party cookies and analytics services (e.g., Google Analytics) to gather information about your usage patterns for website improvement and targeted advertising purposes.
8.3 Managing Cookies
- You can disable cookies via your browser settings; however, this may affect site performance.
9. Data Security
We take reasonable steps to protect your personal information from misuse, loss, unauthorized access, modification, or disclosure. Our safeguards include:
- Encrypted servers and secure authentication protocols
- Access controls and password protection
- System monitoring and regular security audits
- Employee training on privacy and security
10. Data Breach Response
- In the event of a data breach involving your personal information, we will promptly assess the situation.
- If the breach is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) under the Notifiable Data Breaches (NDB) scheme.
11. Accessing and Correcting Your Information
- You can request access to or correction of your personal information by contacting support@cashwo.com.au.
- We will respond to your request within 30 days.
- We may require identity verification before granting access.
12. AML-CTF Compliance
We comply with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to:
- Verify your identity
- Monitor transactions for suspicious activity
- Report certain transactions to AUSTRAC
13. How to Make a Complaint
- If you believe we have breached your privacy, you can contact our Privacy Officer.
- We will acknowledge your complaint within five business days.
- We will investigate the matter thoroughly.
- We will respond with our findings within a reasonable timeframe.
If you are not satisfied, you can escalate your complaint to the Office of the Australian Information Commissioner (OAIC):
- Website:www.oaic.gov.au
- Phone:1300 363 992
- Mail:GPO Box 5218, Sydney NSW 2001
14. Contact Us
Privacy Officer PayAny1 Pty Ltd (trading as Cashwo)
15. Changes to This Policy
- We may update this Privacy Policy periodically.
- The latest version will be available on our website.
- We encourage you to review it regularly.
This Privacy Policy is current as of 18/02/2025.
